2026年欺诈与安全大会

Tech Horizon The Tech Horizon visualises JuniperResearch’s vision for emerging anddisruptive technologies in various marketindustries. In each version, we haveidentified several technologies that willimpact the market. How to Use the Juniper Research Tech Horizon All players across thefinancial technology and paymentsecosystem mustremain current with the latest opportunities and developments across keytechnologies. Our Tech Horizon considers the progress of these technologies andwhether they are performing strongly (above the line) or underperforming(under the line) against expectations. Created, assessed and scored by JuniperResearch’s leading in-house experts, theTech Horizonprovides readers with anunderstanding of our views on the futuresuccess of a technology and whether we feelthese technologies will ‘sink or swim’ in themarket'sfuture. To accomplish this, JuniperResearch has separated the technologiesscored here into‘Strong Performing’ and‘Underperforming’. We define a technology’s expectations by: ‘The expected impact a technology will haveon its intended market, in terms of itsintended purpose, its potential to disruptestablished processes, and the benefits it isexpected to bring to both service providersand end users.’ In addition, Juniper Research has identifiedour ‘Top 3MajorMovers’. These technologiesare those that we believe are primed for thegreatest growth over the next12months inthefintechspace. TheFraud & SecurityTech Horizon TheFraud & SecurityTech Horizon is Juniper Research's visualrepresentation of technology trajectories across thefrauddetection and payments securitymarket.It is designed to helpstakeholders understand how differentpaymenttechnologiesare evolving;enabling better strategic decisions andanticipation of future market developments.Thefollowingmakeupthe current market position: •Stage of Development:How establishedisthe technology.It considersthe technology’s history,ease ofimplementation,and investment into the technology. •Market Performance:Whether the technology is stronglyperforming or underperforming.It considers market growthand performance against market expectations. Juniper Research has also identified the topthreemajormoverswithin thefraud and securitymarket. Theseare thekeytechnologiesthatJuniper Research anticipates will experiencethe greatest development and increase in performance over thenext year. These are key technologies that stakeholders must look toinvest in now to be early movers,and capitalise on the growthin revenue from each technologyover the next 12months. AI has been at the forefront of almost all technological innovations inthe fraud and security space.So,it comes as no surprise that thetechnology iscurrently performing above the line. Top 3MajorMovers:Fraud & Security2026 AI iswidely used by malicious actors in order to commit fraud andscam attacks on an unprecedented scale,and at the time of writing,it stands as the most effective technology to counter this rapidevolution of fraudulent tactics. Juniper Research has identifiedArtificialIntelligence (AI), Tokenisation, andCivicIdentity Appsas the top threemajortechnology movers in thefraud andsecurityspace. Tokenisation Payment tokenisationis currently performing above the line asit hasbecome a prominent security feature to online paymentsthanks to itseffectiveness against data breaches andregulatory standards;making it a core principle ofcompliance strategies. Many major networks nowprocess a large portion of their global cardtransactions as tokenised;making it a default building block inmultiple fintech architectures. As shown inpinkintheConsumerPaymentsTech Horizon, thesetechnologiesare expected to experiencesignificant movementin the market;anticipating the future development andperformance of the technology over thenext 12 months. Civic Identity Apps Whilst civic identity apps are performing just above the line,a blendof regulatory mandates, government roll-outs,and an increasingdemand for seamless digital servicesdrive the technologyto theTechnology Establishment section of the Fraud & Security TechHorizon. Driving this growth over the next 12 monthsareEU eIDAS2 walletrequirements which willimpactdozens of interoperable civic appsfor services such as banking,travel, and eGovernment. Above the LineTechnologies Technologies classified as ‘StronglyPerforming’ or ‘Above theLine’ arethose that are exceeding expectations from initial launch,and are havingthe desired impact on their respective markets, either through revenueadoption or efficiency gains. These technologies are providing theirmarkets with clear benefits, and adoption has been strong. Stakeholders that have invested in these markets have seen good returnon investment over the last two years. However, stakeholders must beaware of other emerging technologies that will look to disrupt the market. Common observations ofstrongperformingtechnologies: •High adoption rate in their market•A clear path to securing